Welcome
  • 8 out of 10 UK Mortgages have been securitisied
  • Do you have a Mortgage Securitisation Claim
  • Find out if you qualify for a reduction in your mortgage by up to 70%

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Introducing the Legal Quest
Mortgage Securitisation Claim

Do you have a UK Mortgage? If so, you may qualify for a reduction of up to 70% after payment of fees.

Our research indicates that over 80% of all UK Mortgages have been sold, transferred or assigned by various lenders. This effectively means that your Bank or Building Society has already been paid in full so they may no longer hold the legal or equitable rights to your mortgage. Are you one of the 8 out of 10 borrowers who may qualify for a Mortgage Securitisation Claim (MSC)?

Watch this short video to learn about the Legal Quest Mortgage Securitisation Claim (MSC)

Please Note:

The Legal Quest Mortgage Securitisation Claim (MSC) is the first of its kind in the UK and therefore has not yet been tested in court. While we are confident that we have sufficient cause of action, there are no guarantees that you will win or have any reduction in your mortgage liabilities.

  • LEGAL QUEST MORTGAGE CHALLENGE

    To find out if your lender has created a situation in which you could significantly reduce your mortgage, you must determine whether your mortgage has been sold under a process called ‘Mortgage Securitisation’, and if so whether the sale was executed correctly.

    The Validation Process allows us to do just that. By submitting a Data Subject Access Request we can carry out a legal review and provide a legal opinion based on our findings. Following your legal opinion, providing we have found sufficient evidence that your mortgage has been sold, you will be asked if you wish to join the Dispute Process and file a Mortgage Securitisation Claim (MSC) against your lender, on a No Win No Fee basis. By proceeding to the Dispute Process, you will be added to a Class Action Suit against your lender to present your MSC and, if required, take the Class Action to Court to dispute the validity of your mortgage.

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  • ABOUT US

    Having built a comprehensive library detailing a significant number of the UK’s Mortgage Sale Agreements and Prospectuses, we are the UK’s leading specialists in this market.

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  • OUR AFFILIATES

    Due to the legal complexity of this matter, we have appointed specialist affiliates who are on hand to provide comprehensive client telephone support during your MSC.

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Join Us Today
The Validation Process

The Validation Process allows us to determine whether your lender has sold, transferred or assigned your mortgage without telling you.

GET IN TOUCH

If you need more information, visit the frequently asked questions page or contact one of our affiliates today. They are on hand to answer any questions and help you understand the Mortgage Securitisation Claim (MSC) process.

SIGN UP

If your mortgage qualifies and you wish to go ahead, you can sign up with us today. The Validation Process costs a fixed fee of £260 including VAT. This can be done either online or with one of our trusted affiliates over the telephone.

PROVIDE SUPPORTING DOCUMENTS

Once you have signed up, you will receive your Welcome Pack, along with a request for a copy of your Photo ID, Mortgage Statement and a signed Agent Authority Letter. This allows us to deal with your lender on your behalf.

SUBJECT ACCESS REQUEST

Under the Data Protection Act 1998, you are entitled to a copy of all documentation held by your lender about you and your mortgage. This is obtained by submitting a Data Subject Access Request. Your lender is allowed 40 days to provide the requested information.

LEGAL REVIEW

Once we have received your DSAR documentation, a comprehensive review is carried out by our legal team. We look for specific evidence that relates to the sale or transfer of your mortgage. A further request may be submitted to your lender if we feel the information provided is incomplete.

LEGAL OPINION

Following review of all documentation provided by your lender, we will issue a Legal Opinion based on our findings. Should you receive either a Probable or Positive opinion, you will be asked whether you wish to proceed to the Dispute Process, by appointing us to represent you.

Want to know more? Request a free callback today.


Should we find evidence to suggest that your mortgage was in fact sold you qualify for a Mortgage Securitisation Claim.

If You Qualify
The Dispute Process

No Win No Fee
Conditional Fee Agreement

If you decide to appoint us and proceed to Dispute you will be asked to sign a Conditional Fee Agreement (CFA). A CFA is more commonly known as a 'No Win No Fee' Agreement, meaning you only pay on the condition that your case is won and the fee is a percentage based on the value of your win. In the event of a settlement the CFA agreement value would be based upon your outstanding mortgage balance at the time of settlement plus any additional compensatory awards granted.

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What to Expect
Timescales & Fees

We are unable to provide a definitive timescale from Dispute to Settlement due to a wide range of factors. It is realistic to expect that the registration of the MSC will be submitted to the Legal Team within a 12-month period from receipt of your Dispute Process instruction. The Dispute Process is expected to take between 12 – 18 months, however, we are unable to provide definitive timescales. Click the link below for estimated timescales from appointing us to settlement.

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if we are successful
Potential Outcome

There are several possible outcomes of the Dispute Process and we are unable to advise on a case by case basis of which outcome is most likely. Our Legal Team are on hand to deal with proceedings and negotiations with your lender and will attempt to reach an ‘Out of Court’ Settlement through negotiation and/or mediation. If, however, a resolution cannot be agreed, legal action through the courts may follow, with additional compensatory damages possible.

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Costs & Potential Savings

Please see below for the costs and disbursements of the Validation and Dispute Processes.
You can also use the calculator to see how much you could potentially save.

Potential Savings Calculator







Please Note: No Benefit of any kind will be available until your case is won or settled.

The calculations above only provide an example of the potential benefits to you, based solely on the deduction of the 25% + VAT No Win – No Fee, if and when your case is won or settled.







Please Note: No Benefit of any kind will be available until your case is won or settled.

The calculations above only provide an example of the potential benefits to you, based solely on the deduction of the 25% + VAT No Win – No Fee, if and when your case is won or settled.

You can find out more about the timescales and fees by clicking here.

What does it cost?

  • The Validation Process - £260 inc. VAT

    The Validation Process allows us to determine whether your mortgage was sold, transferred or assigned by your lender, at a fixed cost of £260 including VAT. This includes:

    • Dedicated Affiliate Phone Support
    • Preparation & Submission of a Data Subject Access Request
    • £10 fee required by lenders to complete the Data Subject Access Request
    • All fees, registered mail postage costs, disbursements and VAT
    • Full legal review of the documents
    • Request for further information regarding securitisation
    • Issuing a legal opinion based on our findings

  • The Dispute Process - 25% + VAT No Win No Fee Agreement

    Should you qualify, you will be given the option to appoint us to represent you. This is a 25% + VAT Conditional Feel Agreement, more commonly known as a 'No Win No Fee' Agreement.

    • Access to specialist legal team
    • Multiple cases combined as a class action
    • ATE (After the Event) and BTE (Before the Event) insurance
    • Formal filing of dispute resolution
    • Arbitration/Mediation
    • Legal representation at High Court level
    • Cover against any third-party claims against you

  • Mortgage Securitisation Claim Validation Terms
  • Legal Quest Dispute Terms and Conditions
  • Mortgage Securitisation Claim (MSC) No Win No Fee

    Terms & Conditions

    Please see the Validation and Dispute Process Terms & Conditions.

    Conditional Fee Agreement

    Please see a generic copy of the Conditional Fee Agreement.

Terms & Conditions

Please see the Validation and Dispute Process Terms & Conditions.

Conditional Fee Agreement

Please see a generic copy of the Conditional Fee Agreement.

Legal Quest Dispute Terms and Conditions
Mortgage Securitisation Claim Validation Terms
Mortgage Securitisation Claim (MSC) No Win No Fee Agreement (CFA)

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Recent News

Here you can read and keep up to date with everything that is in the media, in relation to the banking sector.

Please note: These articles will take you to an external website.

You can read all of the articles by visiting the news pages.

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Regulator to investigate interest only mortgages

www.moneywise.co.uk

18th April 2017 | Regulator to investigate interest-only mortgages.

Widower charged wrong interest rate may lose home.

www.msn.com

4th April 2017 | Widower charged wrong interest rate may lose home.

Lender Bradford & Bingley mortgage sales raises £11.8bn.

www.bbc.co.uk

31st March 2017 | Lender Bradford & Bingley mortgage sales raises £11.8bn.

Global banks have paid £249bn in fines since financial crash.

www.independent.co.uk

2nd March 2017 | Global banks have paid £249bn in fines since financial crash.

Deutsche Bank hit with £500m money laundering fines

www.telegraph.co.uk

31st January 2017 | Deutsche Bank hit with £500m money laundering fines.

West Bromwich Builiding Society forced into the red after £27.5m court battle defeat

www.telegraph.co.uk

8th June 2016 | West Bromwich Builiding Society forced into the red after £27.5m court battle defeat.